Free Checking
You'll never be "just a number" to us.
You feel it all the time -- national chains are just trying to get your money and get you out the door again. That's not how we do things at PremierWest Bank.
When you open a Free Checking account with us, you can expect unlimited checking with no monthly fees and all the benefits you'd get from a national chain bank...plus a whole lot more. Because we're local, we can get to know you and take care of your needs personally. We think you'll appreciate being treated as a real person and not like you're "just a number."
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- Summary
- Unlimited check writing
- No monthly service fee
- No minimum balance required
- Free MasterMoney Debit Card
- Free Online Banking
- Free Bill Pay
- Free Direct Deposit
- Free statements with check images
- Free TeleBanc Phone Banking
- Automated teller access
- Electronic Funds Transfers
- $400 Oops!™ Overdraft Protection
- FDIC insurance
- $100 to open
- PremierProtect Identity Theft Protection available
- Oops!™ Overdraft Protection
We've all made a mistake or two, we're human. But if you make a mistake with your account, you'll be glad to know we've got your back with OOPS!™
OOPS!™ overdraft protection means you are covered should you overdraw your account, up to your assigned limit. It means we will consider payment of the overdraft, without obligation our part, rather than returning your check unpaid.
Summary:
- Avoid high returned check charges from merchants
- Avoid the embarrassment and inconvenience of denied purchases
- No need to apply
- No cost if not used
- Subject to credit approval
OOPS!™ protection is not available for the first 90 days from the date the account has been opened. There is an insufficient funds fee per item. An insufficient funds item may be created by checks, in-person withdrawals, ATM withdrawals, or other electronic means, as applied. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. In addition, we may refuse to pay an overdraft for you: if payment of the presented item(s) plus deduction of fees would exceed the assigned Oops!™ Protection limit; if we believe you are using your account improperly; if we are in the process of determining whether to close you account(s); or if your account is not in good standing. The amount of any overdraft created by our payment of items and/or our non-sufficient funds fees is due and payable on demand.
